need advice on mortgage...now on svr

a_j_mair

i took out a mortgage 2 years ago on a property that was 100% ltv
it was a tracker mortgage with the RBS fixed for 2 years

it has now ran out and i am on the SVR

I have discussed deals with the RBS but the best the offer is fixed rate for 2 years and payments will go up to £560ish

the payments are currently £470ish on SVR

house value is £90k
mortgage is £ 82,250

any help on what i should do or where i may be able to get a better deal

thanks

a_j_mair

so i should just stay as is untill rates start to rise and get a fixed deal

how do i go about making over payments each month? can i just set up a direct debit or do i pay lump sums?